OneMain Financial Ringgold Rd, East Ridge, Tennessee

OneMain Financial Reviews

3.7 stars based on 12 reviews

Featured Comments:

• L

  Lisa Lawrence

  5.0

  Jenna really takes care of me. She is professional and knowledgeable. I appreciate her service.

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  Response from the owner

  Hi Lisa, Thank you for sharing your OneMain experience. We're happy to hear that Jenna provided excellent customer service. We look forward to seeing you again soon. – LF

• B

  Brianna Elder

  1.0

  I just want to say that Jenna/Genna however you say her name is very rude and very unprofessional. The experience that we had with her was very unprofessional. She hung up in our faces as we were trying to get confirmation on some information. I hope that you guys get better training for your staff on Customer Service because she is horrible! I would highly recommend going to the supervisor, I believe his name is Mike.

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  Response from the owner

  Brianna, We'd like to learn more to see how we can help. Please send us an email at [email protected] and include your first and last name, Google username, phone number, zip code, and a few additional details about your experience. -AS

• C

  Claudia Barra-Vandergriff

  1.0

  I would not recommend this high interest loan. I was quoted (an already ridiculously high) 24% APR, but after calculating the payments, the APR equated to nearly 35%. If you get this loan, thinking that you will be able to pay it off early, and save on interest, you are wrong. I highly recommend you read the terms of your agreement, because the window is very narrow in which you may be able to get a refund of over paid interest. The following is information that was not available to me until after I got the loan (that I cancelled within the 7day cancellation period) I asked these questions up front, and it was not explained to me in these terms, nor did it equate to the nature of the following information. I was made to believe that I would save on the interest paid back by paying it back early. Thanks Mike Brown, Branch Manager the explanation you gave me was false. The information below was not made available to me until after I took this loan out, so here it is to you before you take this loan out. "Interest and payments Let’s start with a basic question: When is interest on a precomputed loan calculated? The interest is calculated for the loan term all up front when the loan is made and included in the starting account balance. Interest charges do not change. The starting balance of a precomputed loan includes the amount borrowed, the precomputed interest and any prepaid charges (like a loan origination fee) due. Remember, interest is precomputed and already in the starting account balance. Simply divide that by the loan term to get your monthly loan payment. If you don't pay on time you may be charged a late payment fee, your credit report may show the late or missed payments, and if you don’t include applicable late charges in your payment it could extend the time it takes you to pay the loan in full. Because interest for the loan term has already been included within your account balance, you shouldn’t be charged any additional interest when you make a late payment or if you miss a payment. But it’s still important to make your monthly loan payments on time to avoid things like negative credit reporting. The bottom line: If there’s one thing to remember about precomputed interest loans, it’s this: the total interest for your loan term is calculated up front and included in your starting account balance, which is divided by your loan term to determine your monthly payments. As long as you make the regular payments in full and on time, you will pay off your loan as scheduled. If you pay back the loan early, the lender may not have “earned” all the precomputed interest, and you may be entitled to a refund (or rebate). You can check your loan agreement for more details."

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  Response from the owner

  Thank you for your comment, Claudia. All standard installment loans follow a structure that applies initial payments to the interest, while final payments are applied to the principal. So long as all payments are made in full and on time; this will completely pay off your loan in the agreed terms. Please feel free to reach out to your loan specialist to review your account. Thanks. -AS

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